@Anonymous wrote:
I've been checking my scores periodically on Credit Karma. Though my FICO (my real FICO) has gone up 20 points in the past few months, my Vantage score as reported on Credit Karma dropped 60 points!
My utilization has gone WAY down, collections have been removed entirely- the only thing that's changed are the addition of a 3 inquiries...
Does Vantage do the bucketing thing? And even then, is 60 points a reasonable drop considering the above-mentioned factors on my reports?
I don't *think* that creditkarma uses Vantage scores. I think they use TU's roll-your-own TransRisk scores. I could well be wrong though. Trying to keep up with FAKO's is a losing battle.
I'm sure you'll get lots of replies speculating about this, but the fact is, no one knows what goes into TransRisk scores or any other FAKO, so it's all kind of blundering around in the dark.
eta: MarineVietvet kindly refreshed my aging brain to remind me that CK sometimes offers one and sometimes the other.
Either that, or they used to use TransRisk, and now they use Vantage.
My apologies, and thanks for the catch, MVV!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
